Yousif Capital Management, LLC (YCM) is a Michigan-based investment advisory firm founded in January 2021 by Kevin K. Yousif, CFA. YCM specializes in rule-based and model-driven investment strategies, focusing on equities, fixed income securities, and ETF products tailored to meet clients' investment objectives and risk tolerance. The firm offers discretionary advisory services to various clients, including corporations, municipalities, faith-based organizations, and individuals through separately managed accounts. YCM also acts as a sub-advisor to other investment advisors, providing investment management services through sub-advisory agreements. YCM charges an annual management fee ranging from 0.08% to 0.35%, with a minimum annual fee of $10,000, which is negotiable based on specific investment mandates and account complexities. The firm manages regulatory assets under management of $13,980,856,258 as of December 31, 2024, on a discretionary basis. YCM does not charge performance-based fees and acts as a fiduciary, placing clients' interests first. The firm does not have any disciplinary events to disclose and maintains a Code of Ethics to ensure compliance with regulatory requirements and ethical standards. YCM provides detailed information on its investment strategies, risk factors, brokerage practices, custody of client funds, proxy voting procedures, and financial stability. Clients receive regular account reviews and statements from custodians, ensuring transparency and accountability in the firm's operations. YCM's financial information indicates a sound financial condition without any impairments affecting its ability to fulfill client commitments.

Azimuth Capital Management is a financial advisory firm based in Bloomfield Hills, Michigan. It currently has approximately $2,853,254,809 of assets under management and employs about 22 people. Azimuth Capital Management uses a fee structure of a percentage of assets under your management, fixed fees and revenue sharing with our affiliates ftcs and frs.

Flexible Plan Investments Ltd is a financial advisory firm based in Bloomfield Hills, Michigan. It currently has approximately $1,564,181,995 of assets under management and employs about 93 people. Flexible Plan Investments Ltd uses a fee structure of a percentage of assets under your management and subscription fees annuity price center.

Diversified Portfolios, Inc. is a Michigan corporation established in 1993, offering personalized discretionary investment management services based on clients' goals, objectives, and risk tolerance. The firm focuses on broad diversification and long-term asset allocation among equities, fixed income, and cash. Acting as a fiduciary, they manage accounts on a discretionary basis, selecting securities without specific client consent. Clients can set restrictions on investments in writing. The firm also provides additional discretionary advice for retirement accounts for an extra fee. They may recommend working with other professionals for wealth management issues. Diversified Portfolios, Inc. charges fees based on a tiered schedule linked to the market value of assets under management. They do not charge performance-based fees and cater to various client types, including individuals, high net-worth individuals, and organizations. The firm's investment strategies focus on asset allocation, diversification, and long-term commitment. They use low-cost index funds and occasionally individual securities. Diversified Portfolios, Inc. does not have custody of client assets and uses Charles Schwab & Co., Inc. as a custodian. The firm does not engage in directed brokerage or soft dollar arrangements. Clients receive quarterly reports and have the option to review and vote on proxies for their securities. The firm has no disciplinary events to disclose and offers a detailed breakdown of their financial information and fee structure. Clients can request the full Brochure and supplements from the Chief Compliance Officer.

O2 Investment Partners, L.p. is a financial advisory firm based in Bloomfield Hills, Michigan. It currently has approximately $1,138,884,124 of assets under management and employs about 23 people. O2 Investment Partners, L.p. uses a fee structure of a percentage of assets under your management and performance-based fees.

LS Investment Advisors, LLC (LSIA) was established in October 2008 as a spin-off from a large institutional investment advisory firm. The firm manages over $916 million in assets under management as of December 31, 2024, all on a discretionary basis. LSIA specializes in helping individuals/families and institutions achieve their financial goals through a holistic approach to wealth management. The firm's investment services include financial planning, customized investment strategies, and portfolio management focusing on U.S.-traded equity and fixed income investments. LSIA offers portfolio management services to high net worth individuals/families, trusts, estates, and institutional investors without a minimum account size requirement, subject to a minimum annual fee structure. The firm charges an advisory fee based on a percentage of assets under management, with fees negotiable and subject to a tiered schedule. LSIA acts as a fiduciary, providing investment discretion to clients and allowing for client-directed investment restrictions. The firm utilizes fundamental analysis for equity and fixed income investments, with a focus on financial statements, company fundamentals, and market trends. LSIA's investment strategy includes a mix of direct investments in stocks and bonds, as well as mutual funds and ETFs for diversification. The firm does not charge performance-based fees and offers services to a range of clients, including high net worth individuals, families, and institutional investors. LSIA does not have any disciplinary events to disclose and does not maintain custody of client assets. The firm's employees may receive compensation based on net new assets under management, but LSIA has no formal third-party compensation arrangements. LSIA has policies and procedures in place to ensure compliance with regulatory requirements, including proxy voting and personal trading restrictions. Clients receive quarterly reports summarizing account performance and transactions.

Alidade Capital, LLC, based in Bloomfield Hills, Michigan, was established in 2010 by Mark Hammond, Geoff Langdon, and Steve Faliski. The firm specializes in providing investment advisory services on a discretionary basis to two pooled investment vehicles that invest in commercial real estate. Alidade Capital sponsored three prior funds that were fully liquidated by 2023. As of December 31, 2024, the firm had $551,293,272 of discretionary regulatory assets under management. Alidade Capital charges its Managed Funds a percentage-based management fee, payable quarterly. The firm's investment strategy focuses on value and asset quality, due diligence, transaction execution, and asset management with moderate leverage. Clients have minimum investment amounts varying per Managed Fund, typically starting at $500,000 for individual investors and $5,000,000 for institutional investors. Alidade Capital has not disclosed any disciplinary history. The firm maintains discretionary authority over client investments, subject to specified guidelines. Alidade Capital does not maintain voting rights for client securities and does not require pre-payment of fees exceeding six months.

Cranbrook Wealth Management, LLC is a registered investment adviser established in May 2004 and approved by the Securities and Exchange Commission in February 2006. The firm offers financial planning and investment management services, with financial planning included at no extra charge for investment management clients. Investment management is provided through a Discretionary Investment Management Agreement, tailored to individual risk tolerance and objectives. The firm utilizes Fidelity Brokerage Services, LLC as the custodian for managed accounts. Investment strategies include long-term and short-term purchases of various securities, mutual funds, and exchange-traded funds. Clients may also access tax-advantaged strategies through separately managed accounts. Cranbrook Wealth Management does not charge performance-based fees and serves a range of clients, including individuals, pension plans, and corporations. The firm's investment philosophy focuses on rebalancing portfolios and offering diversified investment options. Clients receive regular account reviews and reports, and the firm does not have any disciplinary events to disclose. For more information, clients can contact the Chief Compliance Officer, Dominic DiGiacomo.

Northern Financial Advisors, Inc. is an SEC-registered investment adviser established in 2002, based in Bloomfield Hills, MI. The firm offers fee-only investment advisory services to individuals and families, specializing in holistic financial planning, tax and estate planning, risk management, and retirement planning. Clients can opt for different service models: the Standard Retainer, Spark Retainer, or Asset Management Retainer. The Standard Retainer fee ranges from $6,000 to $55,000 annually, including financial counsel, investment management, and tax preparation services. The Spark Retainer fee is based on the client's financial situation, while the Asset Management Retainer fee is 1% of assets under management. NFA has discretionary authority for investment management, allowing them to execute trades without prior client approval. The firm utilizes Functional Asset Allocation™ for investment strategies, focusing on individual client needs and minimizing external risks. NFA does not accept performance-based fees and has no disciplinary actions. The firm does not vote client proxies and holds no financial conditions that may impair client obligations. NFA provides detailed information on fees, compensation, investment strategies, and client services in their brochure.